For more information about the author, click to view their website: Michelle Hylton, Broker/Agent
Does Medicare Cover Long-Term Nursing Home Care?
If you’re 65 years old today, you face a 70 percent chance of needing some type of long-term nursing care at some point in your life. And about 20 percent of you will reside in a nursing home for longer than five years. But with nursing home facilities costing several thousand dollars per month, how do most residents cover the expense?
You might assume that Medicare covers the cost of a nursing home, but that’s a common error. In fact, Medicare only covers temporary stays in rehabilitative facilities for specific reasons. Otherwise, the bill for nursing home care falls on you. You can plan for this expense in a number of ways, such as…
Long-term care insurance. If you thought ahead, you might have purchased long-term care insurance at some point during your fifties or early sixties. This important retirement planning step can help you to manage the cost of long-term care in the future. Depending upon your policy, you might be able to choose from a range of facilities or even in-home care.
Medicaid. While Medicare does not cover the cost of a nursing home, Medicaid (known by various other names depending on your state) does. This healthcare program, run jointly by the federal government and individual states, helps those with lower income and fewer resources to afford medical care and even the cost of a nursing home. However, not everyone will qualify.
Even if you don’t initially qualify for Medicaid, keep in mind that over time your financial status can change. Reapply if you think you might have become eligible, or work with an estate planning attorney who can help you learn about the asset rules.
Self pay. And of course, many nursing home residents have simply chosen to self pay for the facility. This route might be feasible for those who have saved significant resources for their retirement years, and/or draw a generous Social Security benefit.
For more information on covering the cost of a nursing home, give us a call to speak with a licensed agent. We can help you learn what to expect from your current Medicare policy and explore your other options.
This article was submitted by Michelle Hylton who is a local, licensed and trained independent insurance agent who is certified with top Medicare Advantage, Prescription Drug and Medicare Supplement insurance plan carriers. Contact Michelle for more information.
How to Prevent & Treat Joint Pain Most of us never think about our joints until they start to hurt. As we age, we lose strength and flexibility in our tendons and ligaments. As our joints get tighter, it may become harder to move. The cartilage between our bones of the joints also starts to break down; this leads to inflammation and osteoarthritis, the most common joint disorder. Taking care of your joints can help reduce joint pain and stiffness. Five Tips to Keep Your Joints Healthy 1. Stay at a healthy weight. Carrying extra body weight puts strain on thejoints, especially the knees. On the flip side, being underweight can lead to a lackof muscle, which helps keep your joints strong and stable. Aim for a healthy weightbased on your height and body type. 2. Exercise every day and make sure to warm up before and cool down after.You may think it's better to limit exercise if your joints are hurting, but regularmovement and exercise is one of the best ways to prevent and help joint pain.Exercise strengthens the muscles around joints, helping to take pressure off them.If you have joint pain, stick to low-impact activities like biking, swimming,and walking. The more you move, the more likely youll keep moving without painand stiffness as you age. It's also important to stretch before and after you exercise to loweryour risk of straining joints and muscles. Just five minutes of stretching beforeexercise to warm up your joints and five minutes after to cool down will helpprevent workout injuries. 3. Add anti-inflammatory foods to your diet. A Mediterranean diet richin fruit, vegetables, whole grains, beans, and healthy fats reduces joint pain. Addthese other anti-inflammatory foods to your grocery list: Tomatoes Olive oil Green leafy vegetables, like spinach, kale, and collards Nuts like almonds and walnuts Fatty fish, like salmon, mackerel, tuna, and sardines Fruits, like strawberries, blueberries, cherries, and oranges 4. Make sure you're drinking enough water. Your bodys cartilage thatcushions your joints is made up of 80% water. When you get dehydrated, yourbody starts pulling water from other sources, including cartilage. This leads to jointpain and a greater risk of injury. 5. If you smoke, it's time to quit! Smoking is a risk factor for everything, fromheart and lung problems to cancer and joint pain. Smoking increases inflammationthroughout the body. This makes it harder for your body to heal if you injure yourjoints. To quit smoking, seek support and a treatment plan from your Primary CareProvider. His or her phone number is on the back of your Viva Medicare ID card. Contact Viva Health to find out more about Medicare Plans in the Alabama area. Call 800-633-8472 to find out more!
Understanding the Difference Between Home Health and Private Duty CareOne of the most common questions we receive is, Whats the difference between Home Health and Private Duty care? While both services provide essential support for individuals in need of care at home, they differ significantly in purpose, structure, and funding. Understanding these differences can help you make informed decisions about the best care options for your loved ones.What Is Home Health Care?Home Health Care is a medical service that focuses on helping individuals recover from illness, injury, surgery, or often following a hospital stay. This type of care is typically short-term and is designed to restore or improve a patients ability to function independently.Key Characteristics of Home Health Care1. Payor Source: Home Health is usually covered by health insurance, Medicare, or Medicaid. To qualify, a patient must meet specific requirements, including a qualifying event (e.g., hospital discharge or significant change in health status) and a physicians order to initiate services.2. Goal-Oriented: The primary aim of Home Health is to improve the patients condition within a defined time frame. For example, physical therapy may be provided to help regain mobility after surgery, or a nurse may assist in managing medications during recovery.3. Medical Focus: Home Health includes skilled medical services such as wound care, injections, monitoring vital signs, and therapy (physical, occupational, or speech).4. Short-Term Duration: Services typically last a few weeks to a few months depending on the patients progress and medical needs.What Is Private Duty Care?In contrast, Private Duty Care provides non-medical support that is tailored to meet the individuals daily living needs. This care is designed to enhance quality of life and allow individuals to age in place or remain safely at home for as long as possible.Key Characteristics of Private Duty Care1. Payor Source: Private Duty care is primarily funded out-of-pocket by individuals or families. In some cases, long-term care insurance may cover services, but this varies by policy.2. Flexible and Personalized: Private Duty care offers tremendous flexibility, accommodating everything from a few hours a week to 24/7 care. Services are customized to the specific needs of the client and their family.3. Non-Medical Support: Services include assistance with activities of daily living (ADLs) such as bathing, dressing, meal preparation, light housekeeping, companionship, and transportation to appointments.4. Long-Term Option: Unlike Home Health, Private Duty care can be a long-term solution supporting individuals for months or years as their needs evolve.How They Work TogetherWhile Home Health and Private Duty care serve different purposes, they often complement each other. For instance, a patient may receive Home Health services after surgery to address medical needs but transition to Private Duty care for ongoing support with daily tasks once Home Health ends.Advantages of Danville Private DutyCareAt Danville Support Services, we are proud to offer high-quality Private Duty care tailored to your loved ones needs. Here are some of the unique benefits we provide:1. Bridging the Gap After Home Health: When Home Health services conclude, families may feel overwhelmed by the responsibilities of caregiving. Our Private Duty caregivers can step in to fill this gap ensuring your loved one continues to receive the support they need.2. Peace of Mind for Families: Private Duty care allows family caregivers to take a much-needed break. Whether youre planning a vacation, attending work, or managing personal commitments, you can rest assured that your loved one is in capable hands.3. Long-Term Care Insurance: If your private duty care provider has a home health license, they may take long-term care insurance. With this payment option, the client is reimbursed for the cost of their care by their insurance provider. 4. Reduced Hospital Readmissions: With consistent care and monitoring, our services help prevent complications that could lead to hospital readmissions.5. Licensed and Insured: We adhere to the highest standards of care, ensuring all our caregivers are licensed, insured, and well-trained.6. Continuous Training for Caregivers: Our caregivers undergo regular training to stay up to date with best practices ensuring the highest level of service.7. Nursing Services Available: In addition to non-medical care, we offer nursing services for clients who require occasional medical oversight in Salt Lake City.8. Serving Multiple Locations: We proudly serve Salt Lake City, Park City, and St. George, making it convenient for families across these regions to access our care.Why Choose Private Duty Care?Private Duty care provides a holistic approach to caregiving. It not only supports the physical well-being of individuals but also enhances their emotional and social health. Our caregivers provide companionship reducing feelings of isolation and loneliness which are common among older adults.In addition, Private Duty care is an excellent resource for families. The emotional and physical demands of caregiving can be overwhelming leading to burnout. By entrusting us with caregiving responsibilities, families can focus on building meaningful relationships with their loved ones without the stress of day-to-day tasks.Customizing Care for Your Loved OneAt Danville Support Services, we recognize that every individual has unique needs. Thats why we take the time to create personalized care plans for each client. Whether your loved one requires occasional assistance or round-the-clock care, well work with you to design a solution that fits your situation. You can reach us at 801-363-1521. Contact Us TodayIf youre navigating the complexities of Home Health versus Private Duty care, were here to help. Contact Danville Support Services to learn more about how we can support your family and provide the peace of mind you deserve or danvillesupportservices.com. Check out our Sandy Location List at Danville Support Services, or call us at (801) 363-1521.
The Benefits and Services of Non-Medical In-Home CareAs our loved ones age or face health challenges, ensuring their well-being and independence becomes a priority. Non-medical in-home care offers a compassionate solution, providing personalized support in the comfort of home. Homecare Companions specializes in delivering this care, catering to a diverse range of needs with services designed to enhance quality of life and peace of mind.Who Benefits from Non-Medical In-Home Care?Non-medical in-home care is ideal for individuals facing health-related challenges, including: Aging parents who need assistance with daily activities. Those living with chronic or progressive conditions such as ALS, Parkinsons disease, or dementia. Individuals recovering from surgery or rehabilitation after a stroke. Patients with visual impairments, mobility issues, or an increased risk of falls. People navigating the complexities of end-of-life care due to diseases like cancer, heart disease, or COPD. Amputees and others adjusting to significant physical changes. Whether the goal is regaining independence or enhancing comfort during challenging times, in-home care provides tailored support for every unique situation. Core Services Provided by Homecare CompanionsHomecare Companions focus on non-medical services that improve clients daily lives. Key offerings include: Help with Activities of Daily Living (ADLs): Assistance with bathing, dressing, grooming, toileting, and incontinence care. Meal Preparation and Nutrition Support: Cooking, feeding assistance, and ensuring dietary needs are met. Light Housekeeping: Tasks such as laundry, cleaning, and maintaining a tidy home environment. Medication Reminders: Helping clients stay on track with their medication schedules. Transportation Services: Driving clients to medical appointments, grocery stores, or social outings. Companionship: Providing emotional support and reducing feelings of isolation through meaningful interactions. Mobility Support: Helping clients with mobility and transferring. End-of-Life Support: Offering compassionate care and emotional support for patients and families in hospice care. Enhanced Services and CustomizationHomecare Companions also offer additional services to suit individual needs, such as: Personalized Care Plans: Based on a complimentary in-home assessment, tailored care plans address the specific needs of each client. Collaboration with Other Care Providers: Coordinating with home health or hospice care teams to provide seamless, 24/7 support. Insurance Assistance: We are a fully insured, certified and bonded long-term care company. With an RN on staff we can accommodate almost all long term care insurance requirements. FAQs About Non-Medical In-Home Care1. How Much Does It Cost? The cost depends on the level of care, location, and frequency of visits. Contact Homecare Companions for a customized quote.2. Is It Covered by Insurance? Medicare typically doesnt cover non-medical in-home care, but many long-term care insurance policies do. Homecare Companions is certified to meet insurance requirements and can assist with claims.3. How Do I Find a Qualified Caregiver? Homecare Companions carefully vets each caregiver with background checks, reference verification, and training to ensure professionalism and trustworthiness.4. How Can I Arrange Services? Contact Homecare Companions at (251) 699-3441 to schedule a complimentary assessment and create a care plan tailored to your loved ones needs. The Benefits of Homecare CompanionsHaving a homecare companion brings numerous advantages, including: Promoting independence by assisting with daily tasks. Providing genuine companionship to combat loneliness. Reducing stress for families by offering peace of mind. Enhancing overall well-being in the familiarity of home. Whether supporting recovery, navigating chronic conditions, or ensuring comfort during end-of-life care, Homecare Companions are committed to delivering compassionate and comprehensive support. Serving Baldwin and Mobile counties. Contact Homecare Companions today at 251-699-3441 to learn more about how we can assist you and your family!
Turning 65 or concerned about Medicare Annual Election Period? As your local "Trusted Medicare Plan Professional," my goal is to make sure you have the information needed to make the right decisions & experience matters! I listen to what's important to you & I'm available for year-round support or even just to chat. Call me today at 251-210-7089 for a free, no-obligation consultation about Medicare Advantage, Medicare Supplements &/or Prescription Drug Plans...Now, you can finally relax.Licensed in AL, CA, FL, MS, NM, TX & VA.